more taken from credit card than the initial $2.97
Complaint
carlton smith
Country: United States
i was told i would only be charged $2.97 to enroll in this program. but was charged an additional amount of $57.61. this is not what i authorized. i want my money back. i called the number on the form, and asked to talk to the manger and was told i would have to call back again, all lines were busy and they gave me this grantsrefund@gmail.com address. which doesn't help at all. i want my money back or i will contact a lawyer .this is a scam and nothing else. i will advise all my friends to avoid this site and others like it. a really mad senior citizen, that won't take it!
Comments
Your bank can reverse fraudulent charges under FRB Reg. E or FCBA, but only if you dispute them promptly, within 60 days of the statement date of the statement showing the disputed charges. Do NOT depend on promises from scammers of "refunds" or that they will "investigate", as those are oftn made to delay your bank dispute past the 60 day dispute window.
File fraud complaints with FTC and your state Attorney general, and at www.ic3.gov.
In the future, use only credit cards for online or retail payments, since it is less disruptive to block credit cards in case of fraud. Do NOT use debit cards, as that can allow scammers direct access to your checking account. In fact, it is safer not to have debit cards, and use an ATM card requiring a PIN at your bank's own ATM machines. Use your checking account and checks only for payments to companies you can trust, such as rent or mortgage, utilities, banks, etc.
I had read a review and they said the company "sent" them the kit and once they had my debit card info, they informed me that they no longer "mail" the kit and I had to access the info on line. I tried repeated to contact the company and couldn't, then I checked my banking account info and saw they had taken the additional money. I finally reached the company and they gave me the same email to file a complaint and try to obtain a refund.
I asked the girl how there could be a 24 hour acceptance period when you don't find out the kit isn't mailed until after you have provided your bank card info and she repeated to email to try to obtain a refund.
I, too, am a senior citizen and I should know better!!
I'm praying my bank will reverse these charges.
Thanks so listening
grants site, I thought it was legitimate. I was told that an email
would be sent to me to confirm my grant kit. I never received an email
nor the grant kit. I charged $2.97 to my credit card, I thought that was
all the money required to get the grant kit. When I received my credit
card bill, I notice I was charged $61.17. So, I called the number on my
statement and was told that I could only get a refund of $40.00. I
questioned why not send me a full refund? The girl on the phone told
me to go to this grantsrefunds@gmail.com website and post a complaint in
order to get a full refund.
Since they intended to defraud you from the start, you can hardly expect that asking for your money back will get you anything. In fact, they will usually just try to delay your bank complaint past the 60 day period in which your bank can reverse disputed charges under FRB Reg. E for checking accounts, or under FCBA for credit cards. While you are waiting for some response to your complaint, as long as your account is open or your card number is not blocked, they will keep on cramming monthly charges.
The ONLY effective way to stop this type of scam is to file a fraud dispute with your bank, in writing, and request and fill out a fraud affidavit, then close your account or block your card number due to fraud. You must do this within 60 days of the statement date of the statement showing the disputed charges, however, it is best to do it immediately, or you will probably have even more fraudulent charges to deal with. It does no good to block charges under their name, since this type of scam often runs through charges under different names to get around such blocks.
Also file fraud complaints with FTC, your state Attorney General, and at www.ic3.gov
The tip given earlier about using a bank card being better than checks is true. If they have banking information, they can counterfeit checks that look like your bank paid them! I had this happen from some people in India that found my information somehow. Anyway, good luck at the bank!